Luebbering Insurance Agency

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Color of Money Risk Analysis

The Color of Money Risk Analysis assesses your financial picture and provides a roadmap to your overall risk preferences. The output will be a proprietary Color of Money score. This short, interactive analysis is the first step on the road to retirement.

SOCIAL SECURITY

Social Security is an important part of most American's retirement plan - but some people may miss out on the benefits to which they are entitled.

Life Insurance in Missouri

Building financial security is one of the cornerstones of a prosperous life. In Missouri, as in many places, we‘d like our loved ones to be well taken care of after we‘re gone.

A life insurance policy can help provide the economic security for those who will lose the benefits of your support. There are several different types of life insurance and details that will need to be considered before selecting a policy that meets your needs.

That‘s why at the Luebbering Insurance Agency LLC, our professionals are committed to helping members of the Jefferson City, MO, community select a life insurance policy that helps provide loved ones with the security you desire.

Term Life Insurance

The most common type of life insurance is called "term." It basically pays debts and provides financial support for those you leave behind. There are a few different types of term.

Level Term:This type of policy pays out at the same amount whether you pass away in the first year or last of the coverage.

Decreasing Term:This type of term life pays out a higher figure at the beginning and decreases over time. It‘s often used against mortgage debt that decreases over the years and can be applied to pay off the loan.

Family Income:This type pays out monthly allowances. It starts when the insured passes and ends at the policy‘s end date.

Whole Life

This is a more conservative policy that pays out as long as you maintain the premiums. Basically, your loved ones are guaranteed to receive a benefit because the policy has no closing date.

Reviewable Premiums

One of the things that occasionally trips people up are policies that can have changing premiums. Obviously, as we grow older the likelihood of our passing grows closer. Some policies are designed to have the premiums increase over time.

Creating a comprehensive life insurance policy requires careful consideration about the financial situation that your loved ones will face without you. At Luebbering Insurance Agency LLC, we are committed to helping members of the Jefferson City, MO, community with life insurance that gives loved ones a sense of security. The good people of Missouri deserve no less.